What Reclaim Protocol does

Reclaim Protocol, operated by CreatorOS Inc., is a sub-dollar user data verification platform that uses zero-knowledge cryptography to enable instant, privacy-preserving verification of digital credentials. The platform serves enterprises across airline loyalty and travel, mortgage and lending, education verification, and general identity and credential verification, with documented coverage spanning 29,000+ universities across 190+ countries, 10,000+ employers across 90+ countries, and 100+ airlines and hotels. Reclaim reports over 3 million verifications processed to date with claimed 0% fraud and 45%+ conversion rates.

The platform is built on proprietary zero-knowledge Transport Layer Security (zkTLS), which generates cryptographic proofs from HTTPS sessions so verifiers can confirm user-controlled data without exposing the underlying records. Core technical components include a Trusted Execution Environment (TEE)-enabled attestor architecture, threshold Oblivious Pseudo-Random Function (OPRF) for unique ID generation, a honeypot mechanism to deter dishonest attestors, ChaCha20 ZK circuits, and defenses against fake key reveal attacks. The protocol has been extended to blockchain environments through zkFetch, with integrations on Cardano and Stellar. Security has been independently audited by ZKSecurity and Zellic.

Reclaim operates an API-first, product-led growth model with usage-based pricing supplemented by enterprise contracts. A free test mode is available to developers, with production pricing delivered on a quote basis. The company is SOC 2 Type II, ISO 27001, and GDPR compliant, is headquartered in San Francisco, operates with 11-50 employees, and was backed by Y Combinator in the Winter 2021 batch.

Name

Reclaim Protocol

Legal name

CreatorOS Inc.

Website

https://reclaimprotocol.org

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

11–50 employees

Short description

Reclaim Protocol (CreatorOS Inc.) is a San Francisco-based zero-knowledge verification platform that uses zkTLS cryptography to let enterprises instantly verify user-controlled credentials across travel loyalty, lending, education, and identity, covering 29K+ universities and 10K+ employers globally.

Ownership category

akta.pro rank

Product category

Identity & Data Verification Software

NAICS

Security Systems Services (except Locksmiths) (561621)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Decentralized Identity & Verifiable Credentials for Finance (DID/KYC Reuse) (FSAGAMAE)

akta.pro secondary industry

Authentication (MFA/Passwordless/Biometrics) Platforms (BPAMAEAE)

Keywords

• Zero-knowledge verification
• Cryptographic identity proof
• Data verification API
• Employment income verification
• Education enrollment verification

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Infrastructure, Personnel, Marketing or Sales, Operations

Revenue model

1. API Usage / Verification-based Pricing: Customers pay based on verification volume. The platform processes 3M+ verifications with 0% fraud reported, suggesting a per-verification or tiered usage model. Self-serve API keys available with a free test mode; production pricing is quote-based.
2. Enterprise / Pilot Contracts: Founder-led sales for enterprise pilots (e.g., airline loyalty programs, mortgage lenders, background check firms). The 'Talk to founder' CTA and compliance-focused enterprise onboarding (SOC 2, ISO 27001, GDPR) indicates custom contract pricing for larger deployments.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels7 records

Core offering

Reclaim Protocol is a cryptographic verification platform that lets users prove facts (employment, education enrollment, loyalty tier, income) directly from source systems using zero-knowledge proofs over HTTPS sessions. The platform exposes SDKs and a self-serve API so developers integrate verification in roughly ten lines of code, while enterprise customers access compliance-grade pilots for airline status match, mortgage and lending, and background check use cases.

Product overview

Reclaim Protocol is a cryptographic verification platform that enables users to prove facts from any logged-in account (universities, employers, airlines, banks, APIs) using zero-knowledge proofs without relying on document uploads or screenshots. The platform consists of the core Reclaim Protocol (which generates cryptographic proofs directly from source systems), supplemented by specialized verification solutions including Employment & Income Verification (covering 10K+ employers via ADP, Workday, Paychex, Gusto, IRS, HMRC, Uber, DoorDash), Education Enrollment Verification (29K+ universities globally), and Loyalty & Status Match (100+ airline and hotel programs). The zkFetch module extends the platform to blockchain ecosystems (Cardano, Stellar) for on-chain verifiable data fetching. Developers integrate via the JavaScript SDK, InApp SDKs (React Native, Flutter, iOS, Android), or NodeJS SDK, accessing the developer portal for self-serve API keys. The platform processes over 3 million verifications with 0% fraud and offers SOC 2 Type II, ISO 27001, and GDPR compliance with open-source audited code.

Differentiator

Problem solved

Functional benefit

Brands

• zkFetch: Zero-knowledge proof extension for verifiable API data fetching, enabling blockchain smart contracts to access off-chain data with cryptographic proofs.
• Reclaim Verifier App

Products and services

• Reclaim Protocol Core The core cryptographic verification platform that enables users to prove facts from any logged-in account (websites, apps, APIs) using zero-knowledge proofs. Users sign into source sites directly; Reclaim generates cryptographic proofs of specific verified facts without seeing credentials or storing data. Sold to developers and enterprise customers via self-serve API and direct enterprise contracts.
• Employment & Income Verification Verification solution for employer, gross income, work history, and tenure from payroll systems (ADP, Workday, Paychex, Gusto), tax authorities (IRS, HMRC), and gig platforms (Uber, DoorDash). Supports 10K+ employers across 90+ countries with 30-second verification time and zero data leakage.
• Education Enrollment Verification Student verification solution pulling live enrollment data directly from 29,000+ universities in 190+ countries. Supports 30+ languages and verifies enrollment status for student discounts, background checks, and scholarship eligibility without transcript uploads.
• Loyalty & Status Match Instant tier verification across 100+ airline and hotel loyalty programs. Eliminates screenshot-based verification fraud by verifying status directly from airline/hotel source systems. Supports airline status match, hotel loyalty match, credit-card lounge access, and cruise/rental tier verification.
• zkFetch Extension for Cardano and Stellar blockchain integrations that enables fetching data from external APIs with cryptographic proof of execution, storing verifiable proofs on-chain. Allows smart contracts to verify real-world data (prices, sports results, weather) without revealing API credentials.
• Trust Center Public transparency portal showing real-time security and compliance monitoring. Displays automated verification runs (hourly, daily, weekly, monthly), compliance certifications, security controls, subprocessors, and live cryptographic checks.
• Reclaim Verifier App Native mobile application for generating and sharing proofs. Accessible via App Clips (iOS) or Instant Apps (Android) for instant access without app store downloads. Includes all functionality for proof generation and sharing in a lightweight format.
• Reclaim Developer Portal Self-service portal for developers to obtain API keys, manage applications, create and configure providers via DevTool, and access documentation without requiring a sales call.

Quantifiable outcome

• 3M+ verifications processed with 0 fraud incidents and 0 data leakage incidents
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability2 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• Zellic (Security Auditor)minorOthersZellic conducted a security audit of Reclaim's fullstack including SDKs and the Verifier App. Audit report is publicly available.
• ZKSecurity (ZK Circuit Auditor)minorOthersZKSecurity (led by David Wong, author of 'Real World Cryptography') audited Reclaim's ZK circuits. The audit confirmed the ChaCha20-based circuit design is secure and efficient — 10% smaller and faster than the prior word-based approach.
• Cardano (Blockchain Platform)coreTechnology or IntegrationzkFetch integration enables Cardano DApps to generate zero-knowledge proofs of API calls and store proof identifiers on-chain via Cardano transaction metadata. Developers can use the Reclaim Cardano SDK to fetch verified data (price feeds, sports results, weather data) with cryptographic proof, keeping API keys private.
• AWS (Amazon Web Services)minorOthersAWS (ap-south-1, eu-north-1) is listed as a subprocessor on the Trust Center — used for cloud infrastructure (compute, storage, databases).
• Google Cloud PlatformminorOthersGoogle Cloud Platform (asia-south1, us-central1, europe-west) is used for TEE confidential compute. Both TEE_K and TEE_A run as attested Docker images on GCP.
• Firebase / Google (OAuth)minorOthersFirebase (Google) is used for admin authentication (Google OAuth). Listed as a subprocessor on the Trust Center. Data processed in USA.
• Anthropic (AI Analysis)minorOthersAnthropic is used for AI analysis of PII, security, and whitepaper compliance checks. Listed as a subprocessor on the Trust Center. Data processed in USA.

Scale indicators9 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Yodlee (Envestnet):
• Stripe Identity: Stripe Identity provides document and biometric identity verification as part of Stripe's broader payments and financial infrastructure suite. It is a broad incumbent competing for developers and platforms that need integrated identity checks, with distribution advantages Stripe's existing customer base provides.
• National Student Clearinghouse: The National Student Clearinghouse is the incumbent US education verification provider covering roughly 6,500 institutions. Reclaim explicitly positions its 29,000+ university / 190-country coverage against this US-only, often-stale database model.
• Plaid: Plaid is a dominant financial data connectivity platform that, through Plaid Income, competes directly with Reclaim's employment and income verification for mortgage origination and lending use cases. It is a broad incumbent with established bank/payroll connections that Reclaim must differentiate against on the credential-phishing axis.

Direct peers

• SheerID: SheerID is the leading provider of instant verification for education, military, and loyalty/membership segments. It is directly comparable to Reclaim's education and loyalty verification offerings, addressing the same verification use cases (student discounts, status matches, professional credentials) for many of the same customer segments.
• Veriff: Veriff is an identity verification platform serving fintech, crypto, and online marketplace customers with document and biometric checks. It competes for similar enterprise buyers and overlaps with Reclaim's identity verification and onboarding use cases.
• Persona: Persona is a unified identity verification platform that handles KYC, KYB, and age/identity checks for enterprises. It overlaps with Reclaim's general identity verification segment and competes for similar enterprise customers looking to consolidate verification workflows.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• GitHubgithub.com/reclaimprotocol
• Xx.com/reclaimprotocol
• LinkedInlinkedin.com/company/reclaimprotocol

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Reclaim Protocol